What loan types does Apco Employees offer?

Apco Employees offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Apco Employees offer mortgages?

Apco Employees offers mortgages in 3 states: AL, FL, GA.

How competitive are Apco Employees's mortgage rates?

Apco Employees has an overall pricing score of 74.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Apco Employees?

Apco Employees is a Credit Union headquartered in Birmingham, AL.

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Apco Employees

Credit Union•Birmingham, ALHQ•Direct•Reviews near you on Google

Apco Employees has 75 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Apco Employees performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+19.3 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

75 loans · 0.19% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

47 loans · 0.30% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

28 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	75	100.0%	+0.193%Above	$740Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume75

Mix100.0%

Spread

+0.193%Above

Fees

$740Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Sound	47	62.7%	+0.300%Above	$740Fees
Refinance	Sound	Sound	—	Strong	28	37.3%	+0.011%Above	$740Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume47

Mix62.7%

Spread

+0.300%Above

Fees

$740Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume28

Mix37.3%

Spread

+0.011%Above

Fees

$740Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$21 million

Pricing & Closing

Avg Rate Spread

+0.193%

vs. market APOR

Avg Net Fees

$740

Origination − Credits

Pullthrough Rate

81.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$287,133

Avg Borrower Income

$354,840

Avg Property Value

$452,945

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 1010+None

South3

ALFLGA

Top Metro Areas by Place Specialization Score

Birmingham, ALMetro

Volume 43Mix 57.33% of portfolio

70/100

Strong

Top States by Place Specialization Score

AlabamaState

Volume 63Mix 84.00% of portfolio

69/100

Strong

GeorgiaState

Volume 10Mix 13.33% of portfolio

43/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.